Disclaimer
This website ("site") is offered to the public by The
Independent Adviser Corporation, Inc.
("1-800-ADVISER.COM") for informational use only.
Any person using information from this site ("user")
agrees to be bound by this Disclaimer and Terms of Use.

Disclaimer of Warranties. THE SITE, THE SERVICES PROVIDED
BY THE INDEPENDENT ADVISER CORPORATION AND ANY SERVICES PROVIDED BY
THE INDEPENDENT ADVISER CORPORATION OR FINANCIAL ADVISERS ARE
PROVIDED "AS IS" WITH NO WARRANTY. WE, THE INDEPENDENT
ADVISER CORPORATION EXPRESSLY DISCLAIM ANY WARRANTY, EXPRESS OR
IMPLIED, REGARDING THE SITE AND SUCH SERVICES, INCLUDING ANY IMPLIED
WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR
NONINFRINGEMENT AND IMPLIED WARRANTIES ARISING FROM COURSE OF
DEALING OR COURSE OF PERFORMANCE. WITHOUT LIMITING THE GENERALITY OF
THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES PROVIDED BY THE
INDEPENDENT ADVISER CORPORATION OR THE SITE WILL BE FREE FROM BUGS,
DEFECTS, OR ERRORS, OR ACCESSIBLE WITHOUT INTERRUPTION.

THE INDEPENDENT ADVISER CORPORATION DOES NOT WARRANT THAT THE
FINANCIAL ADVISERS LISTED ON THIS WEB SITE ARE LICENSED OR CERTIFIED
TO PRACTICE IN ANY JURISDICTION; NOR DOES THE INDEPENDENT ADVISER
CORPORATION MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED
FROM USE OF THIS WEB SITE OR ITS CONTENT OR AS TO THE ACCURACY OR
RELIABILITY OF ANY INFORMATION OBTAINED THROUGH USE OF THIS WEB
SITE.

YOU UNDERSTAND AND AGREE THAT ANY CONTENT AND/OR DATA DOWNLOADED
OR OTHERWISE OBTAINED THROUGH THE USE OF THIS WEBSITE IS AT YOUR OWN
DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY
DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE
DOWNLOAD OF SUCH CONTENT AND/OR DATA.

Our web site is for informational
purposes only. Information on the web site was obtained from various
sources; we do not guarantee its accuracy or completeness.

Neither any information nor any
opinion expressed on the web site, constitutes an offer, or an
invitation to make an offer or solicitation, to buy or sell any
securities or any options, futures or other derivatives. Our
research reports are prepared for general circulation and are
circulated for general information only. It does not have regard to
the specific investment objectives, financial situation and the
particular needs of any specific person who may receive this report.
Investors should seek financial advice regarding the appropriateness
of investing in any securities or investment strategies discussed or
recommended in this report and should understand that statements
regarding future prospects may not be realized. Investors should
note that income from such securities, if any, may fluctuate and
that each security's price or value may rise or fall. Accordingly,
investors may receive back less than originally invested. Past
performance is no necessarily a guide to future performance.

Limitations of Liability. Under no circumstances will The
Independent Adviser Corporation be liable to Visitors for any
indirect, incidental, consequential, special, or exemplary damages
arising from any provision of this Agreement.

Trademark.The-Adviser.com,
The-Adviser, The Independent-Adviser and 1-800-ADVISER are
trademarks and service marks of The Independent Adviser Corporation.

Ownership & License. The Independent Adviser
Corporation shall retain all ownership in the Site and all content
displayed on the Site. The Independent Adviser Corporation grants
Visitors a nonexclusive, revocable right to use the Site provided
that you do not (i) copy, modify, create a derivative work of,
reverse engineer, reverse assemble, or otherwise attempt to discover
any source code, (ii) modify or attempt to modify the Site in any
manner or form.

The contents of The-Adviser.com and
the Independent Adviser Corporation sites on the Internet are
protected by applicable copyright laws. No permission is granted to
copy, distribute, modify, post or frame any text, graphics, video,
audio, software code, or user interface design or logos. Links to
our site are permitted with notification to us. We reserve the right
to revoke any permission to link.

If you have been granted the right to
display The Independent Adviser Corporation's logo or link(s) on
your Web site via an Agreement, The Independent Adviser Corporation
hereby grants to you a nonexclusive, royalty-free, nontransferable,
nonsublicenseable right to display the The Independent Adviser
Corporation Link on your Web site solely in connection with the
terms and conditions hereunder. You agree not to alter of modify the
The Independent Adviser Corporation Link or display the The
Independent Adviser Corporation Link in any manner that is
disparaging or otherwise damages The Independent Adviser
Corporation's goodwill. Your breach of any of the foregoing
obligations may result in immediate termination of your Agreement by
The Independent Adviser Corporation. Upon termination or
cancellation of your Agreement, you will promptly remove any The
Independent Adviser Corporation links from your Web site.

DisclosuresThe Independent Adviser Corporation does not perform
investment banking or other services, for or solicit investment
banking from any entities mentioned on the web site. The
Independent Adviser Corporation, its affiliates, directors,
officers, employees and employee benefit programs may have a long or
short position in any securities of an issuer or in related
investments.

The Independent Adviser Corporation
employs individual Certified Public Accountants to provide services
such as money management which are not within the definition of
Certified Public Accountancy. The Independent Adviser Corporation or
The-Adviser.com is a not a licensed CPA firm in the State of New
York or in any other state and is not engaged in the practice of
Certified Public Accountancy. None of the information posted on this
site constitutes tax advice You should consult with you tax adviser
before making any taxable related investment decisions. Certain
professional services such as legal advice or certified public
accounting services are provided through our network of third party
professional service firms.

The Independent Adviser Corporation
employs individual practice members of the Financial Planning
Association. This web site is not intended for use outside of
the United States.

You are
encouraged to personally interview, obtain references and reach an
independent decision about your choice of financial adviser.
Selection of a participating professional to represent or advise you
in any matter is your sole responsibility.This
directory is provided for informational purposes only and is not an
endorsement, recommendation, or guarantee of any service, product,
or professional. The selection of a professional listed in the
directory and the transaction of business with such person is your
sole responsibility and should be undertaken only after thorough
investigation and analysis. 1-800-ADVISER.COM receives fees for each
person listed in the directory. No fees are received whether or not
a client uses a particular adviser.

Any information or financial advice
provided by any person, financial adviser, certified public
accountant, member of the marketing program, financial planner or
adviser ("adviser") is the sole responsibility of the
adviser, who is independent of 1-800-ADVISER.COM. Neither
1-800-ADVISER.COM guarantees or warrants the accuracy, quality,
completeness or validity of any information contained on,
distributed through, or accessed from this site. 1-800-ADVISER.COM
expressly disclaim any and all warranties of any kind, whether
express or implied.

By submitting any information to this
site, contacting an adviser or authorizing a adviser to contact
user, user acknowledges that user has read any additional
disclaimers appearing on or accessed from an adviser's listing and
this Disclaimer and Terms of Use and agrees to be bound by its
terms. User also agrees not to hold 1-800-ADVISER.COM or any agents,
affiliates or successors, liable for any and all claims for damages
resulting from an adviser's advice or any representation of any user
or from use of this site or information provided by or related to an
adviser.

The information contained in this
site is not an endorsement or recommendation of any adviser on the
part of 1-800-ADVISER.COM . Neither 1-800-ADVISER.COM provide legal
advice or guarantee the suitability of any professional. This site
is an advertisement and should not be interpreted as a
recommendation of, or referral to a specific adviser. Selection of a
adviser to represent user in any legal matter is the sole
responsibility of user.

1-800-ADVISER.COM receives a fee for
each person listed in the directory and may receive other fees for
services provided to such persons.

This site is not operated by an
organization, agency, or governmental body that certifies the
specialty of or tests the competency of the advisers or is
authorized by any jurisdiction to do so. To be eligible for a
listing on this site, participants had to assert that they met
certain minimum criteria:

* an independent Fee-Only financial
adviser
* does not engage in the sale of proprietary products
* is a registered CFP, CPA or RIA

No information contained on this site
shall be construed as a participant holding himself or herself out
as a specialist unless specifically claimed in a participant's
listing in a manner consistent with state regulations.

Parents. You should always supervise your children's use
of the Internet. For information about commercial products to assist
you in filtering material available on the Internet that you may
find harmful, please see http://www.worldvillage.com/wv/school/html/control.htm
or other similar sites.

Every state has rules of conduct for
attorneys that govern lawyer advertising and which may apply to the
listing you are viewing. You may find the text of these rules in the
sources indicated below. In addition, if a state requires specific
language to accompany an attorney's advertisement, that language is
also provided below.

Alabama

No representation is made that the
quality of the legal services to be performed is greater than the
quality of legal services performed by other lawyers. Alabama Rules
of Professional Conduct, Rule 7.2(e)

See Alabama Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Alaska

The Alaska Bar Association does not
accredit or endorse certifying organizations. Alaska Rules of
Professional Conduct, Rule 7.4(a)(2)

See Alaska Rules of Professional
Conduct, Rules 7.1, 7.2

Arizona

See Arizona Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Arkansas

See Arkansas Model Rules of
Professional Conduct, Rules 7.1, 7.2, 7.4

California

See California Rules of Professional
Conduct, Rule 1-400

Colorado

Colorado does not certify attorneys
as specialists in any field. Colorado Rules of Professional Conduct,
Rule 7.4

The hiring of a lawyer is an
important decision that should not be based solely upon
advertisements. Before you decide, ask the lawyer to send you free
written information about his or her qualifications and experience.
Florida Rules of Professional Conduct, Rule 4-7.3(b)

See Florida Rules of Professional
Conduct, Rule 4-7

Georgia

See Georgia Code of Professional
Responsibility, DRs 2-101, 2-105

Hawaii

There is no procedure for review or
approval of specialist certification organizations in Hawaii. Hawaii
Rules of Professional Conduct, Rule 7.4(c)

See Hawaii Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Idaho

See Idaho Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4, 7.5

Illinois

The Supreme Court of Illinois does
not recognize certifications of specialties in the practice of law.
Any certificate, award or recognition by an agency, governmental or
private, or by any group, organization or association used by an
Illinois attorney to describe his or her qualifications as a lawyer
or in any subspecialty of law is not a requirement to practice law
in Illinois. Illinois Rules of Professional Conduct, Rule 7.4(c)

See Illinois Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Indiana

See Indiana Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Iowa

The determination of the need for
legal services and the choice of a lawyer are extremely important
decisions and should not be based solely upon advertisements or
self-proclaimed expertise. This disclosure is required by rule of
the Supreme Court of Iowa.

Memberships and offices in legal
fraternities and legal societies, technical and professional
licenses, and memberships in scientific, technical and professional
associations and societies of law or field of practice does not mean
that a lawyer is a specialist or expert in a field of law, nor does
it mean that such lawyer is necessarily any more expert or competent
than any other lawyer.

A description or indication of
limitation of practice does not mean that any agency or board has
certified such lawyer as a specialist or expert in an indicated
field of law practice, nor does it mean that such lawyer is
necessarily any more expert or competent than any other lawyer.

All potential clients are urged to
make their own independent investigation and evaluation of any
lawyer being considered. This notice is required by rule of the
Supreme Court of Iowa

See Iowa Code of Professional
Responsibility for Lawyers, DRs 2-101, 2-105

If an attorney holds himself out as
certified in a particular area of law, the certifying organization
is a private organization whose standards for certification are not
regulated by the Commonwealth of Massachusetts. Massachusetts Rules
of Professional Conduct, Rule 7.4(b)

See Massachusetts Rules of
Professional Conduct, Rules 7.1, 7.2, 7.4

Michigan

See Michigan Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Minnesota

See Minnesota Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Mississippi

FREE BACKGROUND INFORMATION AVAILABLE
UPON REQUEST. Mississippi Rules of Professional Conduct, Rule 7.4(a)

The State Bar of Nevada does not
certify any lawyer as a specialist or expert. Nevada Rules of
Professional Conduct, Rule 196(4)

Neither the State Bar of Nevada nor
any agency of the State Bar has certified any lawyer identified here
as a specialist or as an expert. Anyone considering a lawyer should
independently investigate the lawyer's credentials and ability.
Nevada Rules of Professional Conduct, Rule 198(3)(b)

See Nevada Rules of Professional
Conduct, Rules 195, 196, 196.5, 198

New Hampshire

See New Hampshire Rules of
Professional Conduct, Rules 7.1, 7.2,

New Jersey

See New Jersey Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

New Mexico

Certification of a lawyer in a
particular area of law by an organization other than the New Mexico
Board of Legal Specialization does not constitute recognition by the
New Mexico Board of Legal Specialization unless the lawyer is also
recognized by the Board as a specialist in that area of law. New
Mexico Rules of Professional Conduct, Rule 16-704(D)

See New Mexico Rules of Professional
Conduct, Rules 16-701, 16-702, 16-704

The Rhode Island Supreme Court
licenses all lawyers in the general practice of law. The court does
not license or certify any lawyer as an expert or specialist in any
field of practice. Rhode Island Rules of Professional Conduct, Rule
7.4

See Rhode Island Rules of
Professional Conduct, Rules 7.1, 7.2, 7.4

South Carolina

See South Carolina Rules of Conduct,
Rules 7.1, 7.2, 7.4

South Dakota

See South Dakota Rules of
Professional Conduct, Rules 7.1, 7.2, 7.4

Tennessee

See Tennessee Code of Professional
Responsibility, DRs 2-101, 2-105

Texas

See Texas Disciplinary Rules of
Professional Conduct, Rule 7.01

Utah

See Utah Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Vermont

See Vermont Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

Virginia

See Virginia Code of Professional
Responsibility, DRs 2-101, 2-104

Washington

The Supreme Court of Washington does
not recognize the certification of specialties in the practice of
law. Any certificate, award or recognition by a group, organization
or association used by a Washington attorney to describe his or her
qualifications as a lawyer or in any subspecialty of law is not a
requirement to practice law in the state of Washington. Washington
Rules of Professional Conduct, Rule 7.4

See Washington Rules of Professional
Conduct, Rules 7.1, 7.2, 7.4

West Virginia

See West Virginia Rules of
Professional Conduct, Rules 7.1, 7.2, 7.4

Wisconsin

See Wisconsin Rules of Professional
Conduct for Attorneys, Rules SCR 20:7.1, 20:7.2, 20:7.4

Wyoming

The Wyoming State Bar does not
certify any lawyer as a specialist or expert. Anyone considering a
lawyer should independently investigate the lawyer's credentials and
ability, and not rely upon advertisements or self-proclaimed
expertise. Wyoming Rules of Professional Conduct for Attorneys at
Law, Rule 7.2(g)

See Wyoming Rules of Professional
Conduct for Attorneys at Law, Rule 7.2